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Disclaimer: The pubisher has no liability for any content or goods on the Website. The pubisher has no liability for any consequent business services and relationships initiated through interaction with or content on the Website. The information associated with this Website is designed to provide clarification in regard to the subject matter covered in this Website. Use is granted with the understanding that the publisher and author are not engaged in rendering legal or financial advice. If expert assistance is required, the services of a competent professional should be sought. The purpose of this information is to educate and entertain. The author and publisher shall have neither liability nor responsibility to any person or entity with respect to any loss or damage caused, or alleged to be caused, directly or indirectly by the information contained herein.

This website is for educational purposes only. The statements herein are only brief educational descriptions. Only insurance contracts themselves contain the governing policy provisions. We have made every effort to insure the accuracy of the information. However, policy provisions and company financial ratings are subject to change, and we cannot guarantee accuracy. Rates and features can vary by state. State Partnership Programs are available in CA, CT, NY and IN. Please call for details.

No portion of any news or information from this website may be published, broadcast, duplicated, photocopied, faxed, mailed, uploaded, downloaded, distributed, transmitted or redistributed in any manner for any purpose without prior written authorization. Information herein is not intended as legal advice. Such advice should always be obtained through an attorney. Under no circumstances will, The National Advisory Council for Long Term Care Insurance or The Long Term Care Insurance Buyer's Advocate (sm) Service be liable for any loss or damage caused by a person's reliance on information obtained through this website.

We are not responsible for any losses or damages from use of these listings. No guarantee is made regarding completeness or accuracy.

Disclosure: We hope you gain valuable information from this website. It is co-sponsored by The National Advisory Council for Long Term Care Insurance and The Long Term Care Insurance Buyers Advocate Alliance.

Note: There exists a legal duty and a moral imperative to provide the most appropriate LTC insurance coverage and pricing information to each individual inquiree. This is often best done in a personal interview format to ensure a proper fit of coverage to circumstances, and to assure compliance with each state's unique insurance laws. Each inquiree is given a choice as to whether they wish to accept each aspect of our free information service.